中国商业银行效率结构与改革策略探讨

A Study of Efficiency Structure and Reform Strategies of Commercial Banks in China

本文实证检验发现,国有银行和股份制银行之间存在结构性差异,国有银行规模不经济,股份制银行规模经济,产权制度是造成这种差异的重要因素。技术进步对国有银行效率的提高有重大的促进作用,市场集中度对股份制银行的效率有很大的影响。最后,本文分析了各因素的作用机制,提出了相应的对策与建议。

This empirical study shows that there is a large structural differential between state - owned banks and joint - stock commercial banks, the former is diseconomies of scale, and the latter is economies of scale, which can be explained by the property right system. Technology progress is propitious to improve the efficiency of state - owned banks, the perspectives of market concentration also affects the efficiency of joint- stock Commercial banks. At last, the paper analyzes the influence mechanism of the factors and proposes some correspondent policy suggestions.